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View more home loans: A to Z listing

There are dozens of different home loan providers in Australia, and this A-Z listing represents most of the major players. We compare home loans from:

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2 Responses

    Default Gravatar
    VickiFebruary 6, 2016

    Just turned 65, does this have a vast impact of getting a morgage loan

    Reply
      Default Gravatar
      BelindaFebruary 8, 2016

      Hi Vicki,

      Thanks for reaching out.

      Applying for a home loan at this age may prove more difficult but your ability to qualify for a loan will depend on the type of home loan that you are applying for as well as your income, assets, credit history and any existing debt that you have (e.g. credit cards or personal loans).

      Many lenders will view you as a high-risk borrower if you’re no longer in the workforce and therefore do not have a steady income source. As a result, you may be charged higher fees or a higher interest rate depending on the individual lender’s policy.

      It’s strongly advised that you speak to a mortgage broker regarding your borrowing options to ensure that you apply for the right type of finance for you. For instance, you may want to consider a fixed-rate home loan for greater certainty and security of knowing what your repayments will be.

      You can also learn more about the risks involved when applying for finance during your retirement.

      Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.

      All the best,
      Belinda

      Reply
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